Federal Capital, legally operating as Federal Capital Limited, is a UK non-bank lender that has been operating since 2012. The company provides commercial finance solutions to businesses across the United Kingdom. For business owners evaluating potential funding providers, understanding the scope of Federal Capital's finance products, minimum and maximum funding amounts, application routes, and regulatory status can help inform your financing decisions.
Business Finance Products Offered by Federal Capital
Federal Capital primarily focuses on providing Business Loans, with a specific focus on unsecured business loans. These financial facilities allow commercial enterprises to access capital without pledging specific physical assets as security.
The short term unsecured commercial business loans offered by Federal Capital typically range from £5,000 to £200,000, featuring repayment terms of up to 12 months. While primary loan amounts usually fall within this range, the lender indicates a maximum deal size of up to £500,000 for qualifying transactions. Because these facilities are unsecured, businesses often explore them to manage immediate working capital needs, cash flow fluctuations, or time sensitive operational requirements.
Federal Capital Key Facts and Summary
To help evaluate Federal Capital quickly, the table below outlines the core facts and lending details regarding this provider.
| Feature | Details |
|---|---|
| Provider Type | Non-bank Lender |
| Also Known As | Federal Capital Limited |
| Operating Since | 2012 |
| Core Specialisms | Business Loans, Unsecured Business Loans |
| Minimum Deal Size | £5,000 |
| Maximum Deal Size | £500,000 |
| Standard Loan Amounts | £5,000 to £200,000 |
| Standard Loan Terms | Up to 12 months |
| Access Channels | Broker, Direct |
| Sole Trader Availability | Not published |
| Companies House Number | 07978824 |
| FCA Firm Reference Number | 712978 |
Who Federal Capital Suits and Eligibility Criteria
Federal Capital is suited for established UK businesses looking for short term unsecured business funding between £5,000 and £200,000. Companies seeking capital for brief periods up to 12 months may find their short term product structure aligns with immediate cash requirements.
Regarding eligibility, whether Federal Capital accepts applications from sole traders is not published. In terms of regulatory status, Federal Capital cites FCA Firm Reference Number 712978 on its website. However, records on the FCA register show that the firm applied to cancel its authorization in March 2016. Standard commercial lending to limited companies in the UK is largely unregulated by the FCA.
How to Apply for Funding with Federal Capital
Access to Federal Capital funding is available through brokers and direct channels, though all loan applications are introduced via commercial finance brokers. Working with a commercial finance broker allows applicant businesses to prepare the necessary documentation and present their funding request to the lender.
Businesses can research the provider directly via their website at https://www.federalcapital.co.uk or speak with a broker to explore an introduction.
Compare Your Funding Options with SME Money
Choosing the right financial product requires carefully reviewing the market to ensure the terms, loan amounts, and structures suit your specific business requirements. While Federal Capital offers short term unsecured business loans, exploring alternatives across multiple providers can help ensure you secure competitive terms.
SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank. By comparing options across a wide panel of lenders, you can evaluate different loan products, terms, and borrowing amounts to make an informed decision for your business.